District: 4
Federal Reserve Bank of: Cleveland

Filings received during the week ending November 7, 2009

Filer

Filing Type

Filing Proposal

End of Comment Period

The St, Henry Bancorp, Inc.

* 18C* 3A1

Application by The St. Henry Bancorp, Inc., St. Henry, OH to become a bank holdinng company by acquiring 100% of the voting shares of The St. Henry Bank, St. Henry, OH and application by The St. Henry Bank, St. Henry, OH to merge with SHB Interim Bank, St. Henry, OH.

Newspaper:

12/04/2009

Federal Register:

Not available

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: